Individual health insurance
An individual policy gives one person their own sum insured, which no one else can use up. It suits people who live alone, have a higher health risk, or want cover separate from their employer’s group policy.
Single professionals
People whose only cover is an employer policy that ends when they leave
Members with health conditions who need their own sum insured
What is covered
Hospitalisation for illness and accidents
Pre- and post-hospitalisation expenses
Day-care treatment
Cashless treatment at network hospitals
No-claim bonus that raises cover each claim-free year
What is not covered
Pre-existing diseases during the waiting period
Cosmetic treatment
Non-medical expenses such as some consumables, unless covered
Covers and exclusions vary by insurer and plan; the policy wording applies.
Making a claim
How a claim works with Kreeva
01
Tell us early
For planned treatment, a few days ahead; in an emergency, as soon as you can.
02
Cashless approval
The hospital sends the request; we follow it up with the insurer.
03
Bills and reports
We list exactly what to keep for any reimbursement.
04
Settlement
We track the claim until it is paid and explain any deduction.
Individual health insurance — questions
Is my employer’s group policy enough?
It ends when you leave the job and may have limits. A personal policy keeps your cover — and your waiting-period credit — continuous.
Not sure which plan fits? Ask an advisor.
Free consultation. No obligation to buy.